Is Fort Knox Credit Union Better Deal Than Ally Bank As Far As Early Withdrawl Penalty Is Concern

Is fort knox credit union better deal than ally bank as far as early withdrawl penalty is concern?They have 90 days of interest penalty and if u go go with 5 years with  100k they pay 3.75% Apy. so the penalty comes out about $912. So $3750 - 912 =$2838 which equals to 2.83%. Ally is about for 1 year is 2.58%. Fort knox for 1 months comes to 3.10% and 2 years comes to 3.24% with the balance of 100K